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Re: Computer Speakers

Not sure if you want good bass as well but this 2.1 system is the best bang for the buck, in my opinion. And it gets good reviews as well. http://www.amazon.com/Logitech-980-000402-Speaker-System-Z623/dp/B003VAHYTG/ref=sr_1_7?s=electronics&ie=UTF8&qid=1397609573&sr=1-7&keywords=best+...
by Cosmo
Tue Apr 15, 2014 8:57 pm
 
Forum: Personal Consumer Issues
Topic: Computer Speakers
Replies: 4
Views: 254

Re: New homeowner: lawn care advice

The OP's St Augustine grass will simply laugh at an electric mower, so getting one will be a waste of money. A string trimmer is fine, but a blower? That's ridiculous. Get a broom. Even I use a broom. It's energy efficient. Infrequent watering is once a week. Twice a week is illegal in some water-r...
by Cosmo
Tue Apr 15, 2014 7:02 pm
 
Forum: Personal Consumer Issues
Topic: New homeowner: lawn care advice
Replies: 44
Views: 2575

Re: Stocks: How Bad It Can Get

So what action can I take on this information?
by Cosmo
Tue Apr 15, 2014 5:40 pm
 
Forum: Investing - Theory, News & General
Topic: Stocks: How Bad It Can Get
Replies: 59
Views: 4238

Re: Woodpeckers...I'm desperate!

Discussions of dishonest behavior or bypassing the law are totally unacceptable here. I'll leave the thread open to help the OP, but further discussions related to killing a bird are off-topic. Here's the law, direct from the U.S. Fish and Wildlife Service: Birds Protected By the Migratory Bird Tre...
by Cosmo
Sun Apr 13, 2014 10:23 am
 
Forum: Personal Consumer Issues
Topic: Woodpeckers...I'm desperate!
Replies: 52
Views: 3207

Re: Woodpeckers...I'm desperate!

John3754, I've been spending time on this forum for a little under a year. Your post was hands down the most depressing post I've read so far I know, and I'm sorry, I felt bad writing it but it's all true. We were desperate, the damage to the house and being woken up at the crack of dawn every day ...
by Cosmo
Sat Apr 12, 2014 8:38 pm
 
Forum: Personal Consumer Issues
Topic: Woodpeckers...I'm desperate!
Replies: 52
Views: 3207

Re: Irrigation system question

See all those small ball valves in the photo? There are 4 of them. Winterizing of this bit of kit is simply opening all those valves with a screwdriver and letting the water drain out (after closing off the upstream shutoff valves). Then open the downstream big valve. Leave all those valves open un...
by Cosmo
Sat Apr 12, 2014 8:30 pm
 
Forum: Personal Consumer Issues
Topic: Irrigation system question
Replies: 27
Views: 971

Re: Irrigation system question

This is my first irrigation system. Is it normal to remove it every winter as part of the winterization? It certainly was not removed or unscrewed or anything, it was in same position as when it was running in the summer. We are in the midwest so fairly cold winters, this winter in particular. No, ...
by Cosmo
Sat Apr 12, 2014 5:53 pm
 
Forum: Personal Consumer Issues
Topic: Irrigation system question
Replies: 27
Views: 971

Re: Irrigation system question

Not wanting to take the chance of having the backflow preventer freeze, I have them remove it at the union joints on each side and I place the piece in a heavy duty plastic bag and place it in the walk-in crawl space. My system is due for reactivation next Thursday and I will bring it out of the cr...
by Cosmo
Sat Apr 12, 2014 5:52 pm
 
Forum: Personal Consumer Issues
Topic: Irrigation system question
Replies: 27
Views: 971

Re: Irrigation system question

So we moved into this house about a year ago. Upon inspection the inspector noticed that the backflow preventer on our irrigation system was cracked. It turned out that the prior owners didn't winterize the system and it cracked. They paid for it and all was well. Last fall I made sure to not make ...
by Cosmo
Sat Apr 12, 2014 5:47 pm
 
Forum: Personal Consumer Issues
Topic: Irrigation system question
Replies: 27
Views: 971

Re: Bannability Index

How about a Lockability Index? Like for this thread?

3 2 1......
by Cosmo
Sat Apr 12, 2014 9:43 am
 
Forum: Forum Issues and Administration
Topic: Bannability Index
Replies: 10
Views: 710

Re: I saw a "Boglehead" on my flight yesterday!

I once spied a co-worker on the Bogleheads.org web site. However, since I normally don't interact with him, I didn't want to initiate any conversation.

Wow, did this thread get highjacked!
by Cosmo
Tue Apr 08, 2014 5:55 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: I saw a "Boglehead" on my flight yesterday!
Replies: 61
Views: 7042

Re: Delaying Social Security - best long-term investment?

The “breakeven” period with these assumptions is just over 22 years; or stated another way, for the individual who chooses to delay until age 62, it takes until beyond age 84 just to recover the economic value of having waited. So according to SSA.gov, the average 62 year old male can be expected t...
by Cosmo
Sun Apr 06, 2014 4:47 pm
 
Forum: Investing - Theory, News & General
Topic: Delaying Social Security - best long-term investment?
Replies: 78
Views: 3565

Re: S&P 500 DEAD forever!!!

[quote] but the index will continue to have only 500 companies.


That is the key, guys. It's still 500 companies! It's the S&P 500.
by Cosmo
Fri Mar 28, 2014 9:53 pm
 
Forum: Investing - Theory, News & General
Topic: S&P 500 DEAD forever!!!
Replies: 13
Views: 2711

Re: Are Vanguard Index Funds pure ??? Not So

If we are simply trying to replicate the market, should we really be concerned?
by Cosmo
Wed Mar 26, 2014 9:28 am
 
Forum: Investing - Theory, News & General
Topic: Are Vanguard Index Funds pure ??? Not So
Replies: 67
Views: 4243

Re: Anyone ever use Sebonic Financial for mortgage?

That was a very wise posting and I appreciate it since you are so correct. Emotions are running high right now with inspections starting on Monday, trying to find a loan, in the middle of moving estimates, etc. We have a few local options. The best only offers a 15 year loan, which is not affordabl...
by Cosmo
Sun Mar 16, 2014 10:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone ever use Sebonic Financial for mortgage?
Replies: 7
Views: 803

Re: Dividends Taxed Differently ?

Previously and currently, Dividends & Capitol Gains have all been reinvested. I am just confused because if I go with Choice B), I know I would have to consider the Cost Basis. As with Choice A) I would only pay taxes on the dividend (I understand that). I think you answered your own question. ...
by Cosmo
Sat Mar 15, 2014 5:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dividends Taxed Differently ?
Replies: 24
Views: 1162

Re: Anti-virus for Mac?

1) All versions of OS X since 10.6.7 have been able to detect known Mac malware in downloaded files, and to block insecure web plugins. This feature is transparent to the user, but internally Apple calls it "XProtect" The malware recognition database is automatically checked for updates o...
by Cosmo
Fri Mar 14, 2014 10:11 am
 
Forum: Personal Consumer Issues
Topic: Anti-virus for Mac?
Replies: 80
Views: 3545

Re: How do I stop worrying about money?

Visit the following site: http://www.worldwealthcalculator.org/ I would think that Bogleheads are certainly in the top1% wealthiest in the world. What do they have to worry about? Add it to the list of First World Problems. (FWP) https://www.youtube.com/watch?v=vN2WzQzxuoA "What does Apple kee...
by Cosmo
Tue Mar 11, 2014 6:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do I stop worrying about money?
Replies: 66
Views: 5568

Re: How do I stop worrying about money?

Taylor Larimore wrote:StarbuxInvestor:

If you are in good health you are rich.

Best wishes.
Taylor


As usual, Taylor, WELL SAID. And may I add, you are inspiration for us all. And in more ways than one...
by Cosmo
Mon Mar 10, 2014 8:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do I stop worrying about money?
Replies: 66
Views: 5568

Re: How do I stop worrying about money?

How do I stop worry about money? I feel I have saved enough the inertia will get me to my saving goals. I still have a good job and save monthly. I have about 4 years of expenses in my taxable portfolio. I will get a good SS benefit and a small pension. IMHO I am ridiculously fortunate and blessed ...
by Cosmo
Mon Mar 10, 2014 8:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do I stop worrying about money?
Replies: 66
Views: 5568

Re: You know you're a Boglehead when ...

...When you wouldn't ever think of having any kind of mortgage...
by Cosmo
Sun Mar 09, 2014 5:46 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: You know you're a Boglehead when ...
Replies: 86
Views: 5104

Re: You know you're a Boglehead when ...

HueyLD wrote:
Grt2bOutdoors wrote:11) You know who to turn to when you have specific questions on Social Security.

Is he someone who is known as a "critic?"


I was thinking of "Oblivious Investor". Does this not make me a Boglehead?
by Cosmo
Sun Mar 09, 2014 5:45 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: You know you're a Boglehead when ...
Replies: 86
Views: 5104

Re: Happy fifth birthday! [since the 2008-2009 market crash]

I am not presently a market timer but in the past, I have messed up trying "to beat the market" by purchasing and selling individual stocks. However, while I was in the process of "staying the course" and diligently maintaining my asset allocation during the Great Recession, my s...
by Cosmo
Sun Mar 09, 2014 5:09 pm
 
Forum: Investing - Theory, News & General
Topic: Happy fifth birthday! [since the 2008-2009 market crash]
Replies: 54
Views: 3339

Re: Anti-virus for Mac?

I wouldn't recommend this. There is a common myth that macs don't get viruses, mainly because of advertising claims from apple that are at best misleading, and at worst, lies. They claim that macs don't get viruses designed for windows...which, well yea... they get viruses designed for macs (which ...
by Cosmo
Sun Mar 09, 2014 4:49 pm
 
Forum: Personal Consumer Issues
Topic: Anti-virus for Mac?
Replies: 80
Views: 3545

Re: House as an inflation hedge?

If inflation goes higher than 3% or so, will house values necessarily go up as much? No, house values will not "necessarily" keep up with inflation, but based upon the historical performance of real estate, they are likely to do so. Agree but having a mortgage on that home is a good infla...
by Cosmo
Sun Mar 09, 2014 1:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: House as an inflation hedge?
Replies: 12
Views: 847

Re: Would you retire like this?

Don't do it. Your husband is sick of the rat race now and wants to escape to live the island life that he thinks will be stress free, but says he's willing to move back to the US when the kids are 18? Yeah right, doubt it. That makes no sense. Sorry, but it sounds like your husband is having a bit ...
by Cosmo
Sat Mar 08, 2014 8:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you retire like this?
Replies: 72
Views: 6714

Re: is 4gb memory, 500gb hd adequate for new desktop?

4gb + 500gb is MORE than enough, contrary to what the folks above are saying, for nongaming purposes. I run that exact setup with absolutely no glitches or hitches, with numerous programs open at once for multitasking, including streaming video. You'll be totally, 100% fine. If you needed more than...
by Cosmo
Sat Mar 08, 2014 6:58 pm
 
Forum: Personal Consumer Issues
Topic: is 4gb memory, 500gb hd adequate for new desktop?
Replies: 56
Views: 1856

Re: is 4gb memory, 500gb hd adequate for new desktop?

thanks to all who responded. I was specifically looking at the new Dell Inspiron 3000 series. Bestbuy has the package w/ 4g ram, 500gb hard drive at $399.98 vs the 8g, 1tb package at $529.98......and just wondered if the exta $129 for 8g, 1tb was worth it. Absolutely not. And to be honest, you are ...
by Cosmo
Sat Mar 08, 2014 6:54 pm
 
Forum: Personal Consumer Issues
Topic: is 4gb memory, 500gb hd adequate for new desktop?
Replies: 56
Views: 1856

Re: is 4gb memory, 500gb hd adequate for new desktop?

There will likely be a performance difference between 4gb memory and 8gb. 8gb is a reasonable minimum these days. Memory that is compatible with your computer will become more expensive with time, so better to buy more now. Unless you are going to wait >5 years to upgrade your memory, memory will c...
by Cosmo
Sat Mar 08, 2014 6:54 pm
 
Forum: Personal Consumer Issues
Topic: is 4gb memory, 500gb hd adequate for new desktop?
Replies: 56
Views: 1856

Re: Bogleheads.org Home Page Updated

The Sub-forum key (which I like btw) does not do any good on the very bottom. Is it possible to have it on top in all that white space to the right? Subforum key: h = Investing - Help with Personal Investments t = Investing - Theory, News & General p = Personal Finance c = Personal Consumer Iss...
by Cosmo
Fri Mar 07, 2014 7:06 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads.org Home Page Updated
Replies: 230
Views: 9039

Re: Will this affect your Tipping?

Tip for what?!? Standing in line, I am supposed to leave a tip? Not only a "no tip" but a diplomatic WTF. " I am supposed to tip you? Really?" Um hell no, this is a scam.
by Cosmo
Wed Mar 05, 2014 6:30 pm
 
Forum: Personal Consumer Issues
Topic: Will this affect your Tipping? [Suggested Tip Amounts]
Replies: 123
Views: 7543

Re: Bogleheads.org Home Page Updated

The Sub-forum key (which I like btw) does not do any good on the very bottom. Is it possible to have it on top in all that white space to the right? Subforum key: h = Investing - Help with Personal Investments t = Investing - Theory, News & General p = Personal Finance c = Personal Consumer Issu...
by Cosmo
Mon Mar 03, 2014 10:14 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads.org Home Page Updated
Replies: 230
Views: 9039

Re: How are retirees from 2000 doing today ?

I echo the OPs gratitude here. I found this thread very imformative and appreciate everyone's input.

Cosmo
by Cosmo
Sun Mar 02, 2014 5:59 pm
 
Forum: Investing - Theory, News & General
Topic: How are retirees from 2000 doing today ?
Replies: 30
Views: 3623

Re: Do we have enough to retire?

NYBoglehead wrote:If people like the OP cannot retire, the rest of us might as well stop planning on retiring.



Well said. Cosmo.
by Cosmo
Sat Mar 01, 2014 10:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Do we have enough to retire?
Replies: 106
Views: 11943

Re: Paying off the mortgage. Kind of.

Is this a simply a mental trick? Who cares... That is the wrong question. The bigger question is... Do you know your financial goals? If you don't, put the money in the bank until you figure them out. Then, if this mental trick helps facilitate your goals, then have it. Good luck! I agree this is s...
by Cosmo
Sat Mar 01, 2014 10:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Paying off the mortgage. Kind of.
Replies: 29
Views: 2780

Re: Help with Mortgage-speak!

With the advent of automated payments or the flexibility of scheduling your payments ahead of time and/or on a particular day, I cannot think of any practical example of why you would want to make an additional payment and NOT apply it to principal only.
by Cosmo
Wed Feb 26, 2014 7:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help with Mortgage-speak!
Replies: 27
Views: 1467

Re: California vs. Texas

Another question I could definitely use some help with: I moved from CA to TX. Have been in TX a year now. Moved to TX for many reasons. Wanted to explore outside of my home state, meet new people, love the outdoors, etc. Also wanted to see what it is like to not pay income tax! Took home a before ...
by Cosmo
Wed Feb 26, 2014 2:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: California vs. Texas
Replies: 32
Views: 2813

Re: Canceling Verizon Service

Which Verizon? I just switched from T-Mobile to Verizon Wireless. Went to a Verizon Wireless store to pick the plan and phones. They ported the numbers and set up the phones (transferred the contacts). New phones were working and old phones were off before we walked out. Oh sure. You are switching ...
by Cosmo
Tue Feb 25, 2014 8:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Canceling Verizon Service
Replies: 18
Views: 1680

Re: Best car tire air pump?

Hi Many years ago, I used to have a car charger powered car tire air pump which broke within weeks. I wonder if you have any recent recommendations please. Thanks I have never had any luck with those 12v car chargers. Too weak and they never lasted longer than a year. Yeah, what The Wizard says abo...
by Cosmo
Tue Feb 25, 2014 6:37 pm
 
Forum: Personal Consumer Issues
Topic: Best car tire air pump?
Replies: 17
Views: 1186

Re: Roku - Does everything cost $$?

Hypersion wrote:Most of the smart TV and DVD player have a lot of Roku's features already built in.


I find that most of the built-in TV apps are sluggish and kind of clunky compared to the Roku or Apple TV.
by Cosmo
Tue Feb 25, 2014 3:00 pm
 
Forum: Personal Consumer Issues
Topic: Roku - Does everything cost $$?
Replies: 22
Views: 2694

Re: Poll: Which of these abbreviations do you understand?

nisiprius wrote:Well, I think that one thing that emerges from the poll is that financial abbreviations, such as ETF, DJIA, and REIT are more likely to be understood than ticker symbols.


The conclusion that I come up with is BOTH the name of the fund, along with the symbol needs to ALWAYS be stated.
Cosmo
by Cosmo
Sat Feb 22, 2014 3:50 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Which of these abbreviations do you understand?
Replies: 66
Views: 2173

Re: Poll: Which of these abbreviations do you understand?

Another thread, Avoiding abbreviations , is discussing how necessary it is to follow the practice of spelling out any abbreviation or ticker symbol the first time you use it. I am just curious to see which of these abbreviations and ticker people know. I love that more people know what the DJIA sta...
by Cosmo
Sat Feb 22, 2014 8:54 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Which of these abbreviations do you understand?
Replies: 66
Views: 2173

Re: Avoid Abbreviations

What is Required Minimum Distributions and what are the rules of Required Minimum Distributions? I have a few questions about Required Minimum distributions. IRS says that we have to start the Required Minimum Distributions at age 70 and some. When I reach the age for Required Minimum Distribution,...
by Cosmo
Fri Feb 21, 2014 10:33 am
 
Forum: Personal Consumer Issues
Topic: Avoid Abbreviations
Replies: 66
Views: 2934

Re: $16 Billion for WhatsApp?!?!?!

WhatsApp with that?!? I really just don't get it. I currently use iPhone's own native app, iMessage, along with millions other users. Why would I need anything else? Or is this for "the other people" who don't drink the Apple flavored Kool-aid?
Cosmo
by Cosmo
Thu Feb 20, 2014 10:02 pm
 
Forum: Investing - Theory, News & General
Topic: $16 Billion for WhatsApp?!?!?!
Replies: 51
Views: 3707

Re: Avoid Abbreviations

I was always taught and this has been confirmed by published books and articles that one should state the name for the acronym, symbol or abbreviation, prior to using it in any form of communication. Yet here on the Bogleheads forum, many questions or comments simply state the ticker symbol and nev...
by Cosmo
Thu Feb 20, 2014 9:54 pm
 
Forum: Personal Consumer Issues
Topic: Avoid Abbreviations
Replies: 66
Views: 2934

Re: Do you balance your checking account?

Can't believe that almost half of those who responded do not balance their checking account... Call me old fashioned... but I get paid on the 15th and end of month... and I balance/reconcile each time before I pay bills for the period. Trev H I think it depends how they interpreted the question. If...
by Cosmo
Tue Feb 18, 2014 9:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you balance your checking account?
Replies: 114
Views: 4881

Re: How to invest $1.4 mil inheritance?

Interesting that so many are suggesting to pay off the $400K mortgage. Not something I had really thought of. Very cheap $$$ (can't remember the rate but I think low 3's%), + major tax benefits to keeping mortgage. Why pay it off? What I find even more interesting is that folks are making this reco...
by Cosmo
Mon Feb 17, 2014 9:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to invest $1.4 mil inheritance?
Replies: 74
Views: 7462

Re: What to do with bonus received?

I received a bonus at work and wondering if it's better to use it to pay down my 3.125% mortgage or invest it in my IRA (stocks and bonds mix) ? The other alternative is to just add it to my emergency fund. I have no other debts other than the mortgage and a zero percent interest car loan (which I'...
by Cosmo
Mon Feb 17, 2014 9:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with bonus received?
Replies: 10
Views: 753

Re: Do you balance your checking account?

Thank you everyone for participating in this poll. It has been an interesting thread for me.

Cosmo
by Cosmo
Mon Feb 17, 2014 8:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you balance your checking account?
Replies: 114
Views: 4881

Re: Do you balance your checking account?

It would help if the OP had clearly defined what "balancing a checkbook" means. Normally, it means reconciling the checkbook balance with the balance on the latest bank statement. There are different ways to do this. But, maintaining a running balance is useful but not "balancing a c...
by Cosmo
Sun Feb 16, 2014 6:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you balance your checking account?
Replies: 114
Views: 4881
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